BIRMINGHAM-BLOOMFIELD Credit Union mortgage approval rate & lending review
BIRMINGHAM-BLOOMFIELD Credit Union decided 500 mortgage applications and funded 417 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BIRMINGHAM-BLOOMFIELD Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BIRMINGHAM-BLOOMFIELD Credit Union at a glance
Approval is 15.7 points above the 70.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 31 / 32 | 100% | $215K | 31 |
| Home improvement loans | 88% | 203 / 232 | 97% | $55K | 197 |
| Cash-out refinance | 82% | 32 / 39 | 97% | $95K | 31 |
| Refinance | 86% | 159 / 185 | 97% | $65K | 154 |
BIRMINGHAM-BLOOMFIELD Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 86% | $65K | 500 | 417 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where BIRMINGHAM-BLOOMFIELD Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oakland County, MI | Home improvement loans | 88% | 153 | 132 |
| Oakland County, MI | Refinance | 87% | 108 | 92 |
| Macomb County, MI | Home improvement loans | 91% | 47 | 42 |
| Macomb County, MI | Refinance | 77% | 43 | 32 |
The county markets where BIRMINGHAM-BLOOMFIELD Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about BIRMINGHAM-BLOOMFIELD Credit Union
What is BIRMINGHAM-BLOOMFIELD Credit Union's mortgage approval rate?
BIRMINGHAM-BLOOMFIELD Credit Union approved 85.8% of the 500 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.7 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan BIRMINGHAM-BLOOMFIELD Credit Union offers?
Borrowers accepted 97% of the loans BIRMINGHAM-BLOOMFIELD Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BIRMINGHAM-BLOOMFIELD Credit Union make?
The typical home improvement loan loan BIRMINGHAM-BLOOMFIELD Credit Union made was $55K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BIRMINGHAM-BLOOMFIELD Credit Union lend?
BIRMINGHAM-BLOOMFIELD Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to BIRMINGHAM-BLOOMFIELD Credit Union directly?
Yes. BIRMINGHAM-BLOOMFIELD Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show BIRMINGHAM-BLOOMFIELD Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how BIRMINGHAM-BLOOMFIELD Credit Union treats applications, then get a rate quote from the lender.